Flagstaff DSCR Loans for Rental Property
Are you seeking long-term private financing for a residential rental property in Flagstaff, AZ? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). For a purchase, investors typically need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The loans terms range from 3 to 30 years. D.S.C.R. stands for debt service coverage ratio, which is a measure of the property's cash flow. The formula is gross rental income divided by expenses (mortgage principal and interest, property taxes, insurance, and HOA dues, if applicable). These loans qualify based on the DSCR rather than the borrower's personal income.Searching...
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Top Arizona DSCR Lenders for Rental Properties
According to SFR Analtyics, here are the top private lending companies that are funding DSCR long-term loans secured by residential rental properties in Arizona, along with the approximate loan volume funded. The list ranks each lender by the total loan volume originated throughout Arizona from July 2025 to September 2025.
- Visio Lending funded over $9,512,020
- Constructive Capital funded over $4,469,575
- American Heritage Lending LLC funded over $3,750,615
- CV3 Financial Services funded over $1,763,960
- Conventus LLC funded over $1,359,871
Click the links to view each lender’s profile. The lenders without a link do not have an active Lender Link profile. The loan volume amounts mentioned are approximate and may not be 100% accurate. Most of these DSCR loans have a 30-year term.
SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
Arizona DSCR Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Arizona DSCR long-term rental loans in the 3rd quarter of 2025 was 7.41%. The average loan amount was $346,744. These stats are the average of 121 loans funded for residential rental properties in Arizona between July 1, 2025 and September 30, 2025 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Arizona DSCR Rental Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of DSCR loans secured by residential rental properties in Arizona which were funded from January 2025 to December 2025.
- Approximately $- of DSCR rental loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $21,789,666 of DSCR rental loans were funded in the 3rd quarter of 2025 for 42 borrowers.
- Approximately $19,923,155 of DSCR rental loans were funded in the 2nd quarter of 2025 for 40 borrowers.
- Approximately $19,305,833 of DSCR rental loans were funded in the 1st quarter of 2025 for 50 borrowers.
Below are the approximate DSCR loan volume amounts for Arizona’s metropolitan areas:
Phoenix-Mesa-Chandler, AZ
- 2025 Q4: $- for - borrowers
- 2025 Q3: $14,136,684 for 31 borrowers
- 2025 Q2: $11,653,557 for 27 borrowers
- 2025 Q1: $15,162,103 for 39 borrowers
Tucson, AZ
- 2025 Q4: $- for - borrowers
- 2025 Q3: $14,136,684 for 2 borrowers
- 2025 Q2: $11,653,557 for 5 borrowers
- 2025 Q1: $15,162,103 for - borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
